Senior Software Engineer

POSITION SUMMARY

The Software Engineer designs and builds infrastructure and applications for BillGO’s products. This role will be collaborating internally with teammates and other teams as well as externally with third party vendors through a variety of transmission protocols. This role will be fully responsible for code through design, implementation, maintenance, and monitoring. The ideal candidate will have a strong background in Java development, Cloud architecture, and experience in the financial industry.

About the Role
As our Issuing Engineer, you will:

• Design, build, and maintain the core systems behind our virtual card issuing platform
• Integrate AI-powered services for fraud detection, anomaly monitoring, and transaction insights
• Build APIs and services that power card creation, spend controls, tokenization, and reconciliations
• Collaborate with Product, Risk, and AI/ML teams to develop machine learning–driven authorization rules and customer-facing analytics
• Work closely with network partners (Visa, Mastercard) and issuing processors to ensure secure, compliant, and performant issuing flows
• Act as a subject matter expert on issuing technology and AI-driven enhancements

What You’ll Do

• Lead technical development of issuing features: card lifecycle management, spend controls, tokenization, and real-time transaction processing
• Own integrations with card networks and issuing processors (Marqeta, Galileo, Lithic, or direct to network)
• Build resilient, observable systems that handle real-time authorization events and sensitive payment data
• Implement real-time AI-based fraud detection pipelines that learn from transaction patterns
• Integrate LLM-powered support and operations tooling for internal teams (e.g., automated dispute summaries, transaction anomaly explanations)
• Build AI-driven customer dashboards showing spend patterns, merchant risk profiles, and cost optimization recommendations
• Participate in architecture reviews, incident response, and production hardening
• Monitor and optimize system performance and cost-efficiency as the platform scales
• Stay current on card network updates, fraud trends, AI advancements, and regulatory shifts